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No Credit Check Loans

At OppLoans, we don't offer a No Credit Check Loan. We understand a low credit score can make it difficult to get an affordable loan so we don't base our funding decisions exclusively on FICO® credit scores or credit history. OppLoans only does a soft credit check so applying won't negatively impact your FICO® score.

What is a no credit check loan?

A no-credit-check loan is a type of loan that typically doesn’t require a hard FICO score credit check from the applicant. This can be appealing to potential borrowers who are concerned about having bad credit or a poor credit history.

A no-FICO-credit-check loan may seem like a good fast-cash option, but there are always risks -- particularly if you are unable to fulfill your repayment obligations. Educating yourself is the best way to make the right borrowing decision for you.

How can I get a no credit check loan?

There are a variety of lenders and financial institutions that provide small-dollar loan options without requiring a look at your credit score. It’s important to research your options before applying for one of these loans, even if it’s an easy, online loan application. Applying for too many loans in a short period of time can still flag you as a risky borrower to lenders, even if they aren’t looking at your FICO score.

Lenders perform credit checks to help make decisions about whether or not potential borrowers are likely to repay their personal loans. While we don’t check your FICO credit score at OppLoans, we want to make sure we set you up for success to make on-time monthly payments. Looking at your credit history can help us do that.2

Will OppLoans check my credit when I apply for an online loan?

At OppLoans, we understand that your financial story is more than just your FICO credit score. We make lending decisions based on an applicant’s overall creditworthiness and ability to repay. When applying with OppLoans, we don’t perform a hard credit inquiry on your credit report. Instead, OppLoans uses credit report information provided by Clarity Services and Experian, which does not impact your credit score or appear on your credit report.2

Ultimately, we want to set our customers up for success in their financial lives. We report loan repayments to the three major credit bureaus, so every borrower has the opportunity to build their credit history.

What does OppLoans consider when looking at my credit history?

During the credit review process, we consider multiple factors to assess a borrower’s income, ability to repay, and creditworthiness, including, but not limited to, your:

  • Employment status
  • Income details
  • Bank account
  • Financial history

How do Loans through OppLoans work?

Here’s how you can apply for an unsecured installment loan with us:

Apply Online

Fill out our fast and easy online loan application.

Verify Income

Securely connect your bank account.

Review Agreement

Review and accept the repayment terms for your potential loan.


Our online loan process is fast. If approved, you may receive your funds as soon as the next business day!1


Will my loan have a high interest rate?

The maximum APR for a loan made available through and serviced by OppLoans is 160%.5 Products offered through OppLoans have different rates and loan terms depending on the state where you live. View our state-by-state breakdown of loan rates and terms here.

Will my loan be secured or unsecured?

Our online loans are considered unsecured loans. We do not require collateral to secure our loans.

How fast will I get my money?

If you’re approved, you may receive money in your account as soon as the next business day! Funds can be  deposited the next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. Access to your money depends on how quickly your bank processes the transaction.

Do I have to pay fees?

OppLoans does not charge prepayment fees. Rates and terms on loans offered through OppLoans vary by state. You can learn more about OppLoans rates and terms here.

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California Disclosures and Privacy Policy | California Consumers can opt-out of the sale of personal information by clicking Do Not Sell My Personal Information.

Applications submitted on this website may be originated by one of several lenders, including: Opportunity Financial LLC, a licensed lender in certain states; or one of our lending partners. All loans originated by our lending partners will be serviced by OppLoans.

NV Residents: The use of high-interest loans services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

1Subject to credit approval and verification. Actual approved loan amount and terms are dependent on standard underwriting guidelines and credit policies. Funds are typically deposited via ACH for delivery for next business day if verification is completed and final approval occurs before 8:00 PM CT, Monday-Friday. Availability of the funds is dependent on how quickly your bank processes the transaction.

2OppLoans may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report and therefore they will not affect your FICO score.

5According to the Consumer Federation America, a non-profit consumer advocacy group, payday loans range in size from $100 to $1,000, depending on state legal maximums, and carry an average annual percentage rate (APR) of 400%. The maximum APR for a loan offered through and serviced by OppLoans is 160% and loan sizes range from $500 to $4,000.


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

If you have questions or concerns, please contact the Opportunity Financial Customer Support Team by phone at (800) 990-9130, Monday – Friday, 7 a.m. – 11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or by sending an email to

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.